FABIPHIL
ActiveThe computed 12-month bankruptcy probability of FABIPHIL is 3.7% (moderate). The 2025 annual accounts show negative equity (€-27k) and a net result of €16k. The figures fluctuate too strongly year-on-year for a reliable trend projection. Its solvency ranks better than 9% of 13240 sector peers (fiscal year 2025). The company has been active since 2010 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Score 2025
37
/ 100
Weak
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability100=
Solvency0=
Growth58=
Track record100
Bankruptcy probability, 12 months
3.7%
Moderate
0%0.5%1.5%4%10%≥ 25%
No credit on open account
Liquidity short (current ratio 0.4 against 0.31 in 2024; short-term debt: 158.8% and cash: 1.8% of total assets), and equity is negative.
Credit advice for your own amount and term
Signals
Eight signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
raises risk · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 56
Relative position
BE, all sectors
reference
Sector 56
higher
← fewer bankruptcies
more bankruptcies →
raises risk · Annual accounts: weaker financial profile
The latest annual accounts show a weaker profile in solvency, result or liquidity than companies that stay afloat.
NBB · annual accounts 2025Solvency, return and age of the figures
Solvency
-136.7%
Return on assets
81.3%
Age of the figures
9 mo
lowers risk · Long track record
A company with a long track record statistically fails less often than a young one.
KBO · incorporation dateAge against the risk zone
raises risk · Weak solvency vs sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 9% of 13240 sector peers (2025).
NBB · sector comparisonPosition among 13240 sector peers
Solvency
better than 9%
← weakest
strongest →
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 20-08-2026, 20 days later. For context: 47% of the Belgian market files late and the whole 1-to-90-day band measures 2.0% abnormal legal state against a 1.66% average. We show this as a fact and do not score it.
NBB · 10 filingsDeviation from the deadline
2025
20 d late
2024
29 d late
2023
63 d late
2022
24 d late
2021
29 d late
2020
17 d late
2019
33 d late
← before the deadline
after the deadline →
neutral · The next deadline is still running
The next financial year closes on 31-12-2026 and is due by 31-07-2027. Nothing is late today.
Companies Code · seven monthsPosition in the running window
20-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€-27k▲ 37.3%
2024 · €-44k
2018: €10k
2019: €28k
2020: €25k
2021: €-25k
2022: €-65k
2023: €-64k
2024: €-44k
2018 → 2025
Total assets
€20k▼ 31.5%
2024 · €29k
2018: €28k
2019: €44k
2020: €46k
2021: €44k
2022: €18k
2023: €29k
2024: €29k
2018 → 2025
Net result
€16k▼ 19.0%
2024 · €20k
2018: €-428
2019: €17k
2020: €-3k
2021: €-51k
2022: €-40k
2023: €2k
2024: €20k
2018 → 2025
Working capital
€-19k▲ 54.2%
2024 · €-42k
2018: €2k
2019: €25k
2020: €23k
2021: €-28k
2022: €-68k
2023: €-60k
2024: €-42k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€-25k-€-65k▼ 160%€-64k▲ 2.5%€-44k▲ 31.5%€-27k▲ 37.3%
Operating result€-49k-€-38k▲ 22.8%€3k€21k▲ 584%€18k▼ 12.6%
Net result€-51k-€-40k▲ 20.5%€2k€20k▲ 1,107%€16k▼ 19.0%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result falls in 2025; 2025 is 13% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €20k
Fixed assets
€7k▼ 33.2%
Current assets
€13k▼ 30.5%
Key figures and ratios
EBITDA
€22k▼
2024 · €24k
Cash flow
€20k▼
2024 · €23k
Solvency
-136.7%▲
2024 · -149.3%
Current ratio
0.40▲
2024 · 0.31
Quick ratio
0.29▲
2024 · 0.24
Debt / equity
-1.73▼
2024 · -1.67
ROA
81.3%▲
2024 · 68.7%
Interest coverage
9.96▼
2024 · 20.52
Debt
€47k▼
2024 · €73k
Debt ≤ 1 year
€32k▼
2024 · €60k
Staff costs
€32k▲
2024 · €14k
Green means a favourable move, even when the figure itself falls: as with debt or debt / equity.
Filed annual accounts
As filed with the NBB · 2025 against 2024
Balance sheet
Code20242025
Assets
Total assets20/58€29k€20k▼
Fixed assets21/28€11k€7k▼
Tangible fixed assets22/27€11k€7k▼
Plant, machinery and equipment23€5k€3k▼
Furniture and vehicles24€6k€4k▼
Other tangible fixed assets26€599€235▼
Financial fixed assets28€58€58=
Current assets29/58€18k€13k▼
Stocks and contracts in progress3€4k€4k▼
Stocks30/36€4k€4k▼
Amounts receivable within one year40/41€11k€8k▼
Trade receivables40€11k€8k▼
Cash at bank and in hand54/58€3k€361▼
Deferred charges and accrued income490/1€973€354▼
Equity and liabilities
Total equity and liabilities10/49€29k€20k▼
Equity10/15€-44k€-27k▲
Contributions10/11€19k€19k=
Reserves13€2k€2k=
Non-distributable reserves130/1€2k€2k=
Reserves not available under the articles1311€2k€2k=
Profit (loss) carried forward14€-64k€-48k▲
Amounts payable17/49€73k€47k▼
Amounts payable within one year42/48€60k€32k▼
Trade debts44€11k€3k▼
Suppliers440/4€11k€3k▼
Taxes, remuneration and social security45€792€9k▲
Taxes450/3-€6k
Remuneration and social security454/9€792€3k▲
Other amounts payable47/48€48k€19k▼
Accrued charges and deferred income492/3€13k€16k▲
Income statement
Code20242025
Remuneration, social security and pensions62€14k€32k▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€2k€4k▲
Other operating charges640/8€2k€1k▼
Gross operating margin9900€40k€55k▲
Operating profit (loss)9901€21k€18k▼
Financial income75/76B€118€31▼
Recurring financial income75€118€31▼
Financial charges65/66B€1k€2k▲
Recurring financial charges65€1k€2k▲
Profit (loss) for the period before taxes9903€20k€16k▼
Profit (loss) for the period9904€20k€16k▼
Profit (loss) for the period to be appropriated9905€20k€16k▼
Appropriation of the result
Profit (loss) to be appropriated9906€-64k€-48k▲
Profit (loss) brought forward from the previous period14P€-84k€-64k▲
The notes to these accounts (7 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Timeline · acts, filings and financial milestones
Next filing, fiscal year 2026, expected by
2026
20-08
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 20 days late
2025
29-08
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 29 days late
2024
31-12
Financial
Highest result since 2018net €20k ▲1107%
Net result €20k, the highest in the series.
02-10
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 63 days late
2023
31-12
Financial
Back to profitnet €2k
Net result €2k after 3 loss-making years.
24-08
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 24 days late
2022
29-08
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 29 days late
2021
31-12
Financial
Weakest financial yearnet €-51k
Net result drops to €-51k, the lowest in the series; recovery starts the following year.
17-08
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 17 days late
2020
02-09
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 33 days late
2019
31-12
Financial
Back to profitnet €17k
Net result €17k after one loss-making year.
31-12
Financial
Liquidity doublescurrent ratio 2.76
Current ratio from 1.11 to 2.76; short-term debt falls from €15k to €14k.
29-08
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 29 days late
2018
10-08
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema · 10 days late
2017
14-08
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema · 14 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
4 acts for this company are in the Belgian State Gazette, of which we have read 0. We have therefore not extracted its directors from those acts yet.
Location & real-estate footprint
Registered office, Sint-Gillis (bij-Brussel) · 1 establishment unit since 2010
Cannot be placed on the map
This address could not be matched to a point in the Belgian address register (BOSA BEST). The address below comes straight from the Crossroads Bank.
Victor Hortaplein 321060 Sint-Gillis (bij-Brussel)Ground area
4,519 m²
Parcel 21562A0405/00K005, Brussels. Linked by address, not a title deed.
1 establishment unit
FAB CAFE
since 20102.197.121.165
1 parcel
Brussels
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 21562A0405/00K005 | Brussels | 4,519 m² | - | - |
Linked by address, not proof of ownership
Methodology
via registered seat: 1
1 of 1 parcel with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
Recognitions · licences · registrations
Food safety, FASFC
1 siteSint-Gillis2.197.121.165
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Of 14,023 companies in sector 56301 we hold annual accounts for 4,893. 4,055 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company (pre-2019)
Founded27-12-2010
Fiscal year end31-12
Activities, NACEBEL
56301Cafés and bars
Sources
Crossroads Bank for EnterprisesNational Bank · 15 filingsAddress and cadastre registers
Data from official sources, last processed on 20-09-2026. Scores and ratios are computed by Checked and are not a credit decision.